Consumer Duty, one year on: what it changed for consumer lenders
The FCA's Consumer Duty has reshaped how consumer-credit firms treat customers. It governs consumer credit, not our business lending — here is the distinction.
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What Bank of England rate changes mean for small businesses
How the Bank of England base rate feeds through into business borrowing costs, and what owners can practically do about it.
Short-term business loans vs business overdraft — which one fits your need?
Two of the most-used short-term business finance tools. They overlap a lot, but each genuinely fits a different cashflow shape. Here is how to tell which one your business actually needs.
The state of UK small-business lending in 2025
A look at the UK SME funding gap in 2025: why high-street banks have retreated from small tickets, and who is filling the space.
Understanding APR for short-term business borrowing
APR is a comparison rate built for year-long borrowing. Applied to a 30-day loan it looks alarming. This article explains why, and what to look at instead.